Not a live product

Your books already know what you need to insure.

Pickle reads your accounts and your public record, works out what a business like yours has to cover, and shows you where every number came from. Free, no account, nothing to fill in.

Companies House, as you type. A registered number goes straight through. Free, no account.

Or open a worked example

What it reads, and where every number comes from

Commercial cover is already priced on three things: what you pay in wages, what you turn over, and what you pay subcontractors. All three are sitting in your accounts, month by month, and nobody asks for them until renewal.

Your ledger

The month your risk changed

You started paying staff in March. That is the month employers' liability stopped being optional, and on a yearly renewal it is the kind of thing nobody finds out about until the following January.

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The public record

What you filed

Your SIC code, your officers and how long you have traded. Then your own website, because the two often say different things and the difference is usually the interesting part.

Companies HouseRead
Your websiteRead
Filed as builder, works as rooferConfirm
Your kit

What it would cost to replace, not what it is worth on paper

The roofer in the worked example insured his tools for £3,000 in May 2019 and has not touched it since. His register now comes to more than twice that. An insurer does not take a shortfall like that out of a total loss and leave the rest alone: it comes off every claim, including the one for a single stolen drill. Your own accounts hold what the same kit is worth after depreciation, which is the one number a claim is never settled on.

Open that register and see where the second figure comes from

Three things worth keeping track of

These are what decide whether a claim actually pays out, and all three go stale on their own.

Your kit

Every tool and vehicle you own, in one list. Most of it arrives off your bank statement without you typing anything. The rest you add by pasting the page you bought it from, and the shop's own product data fills the form in.

Your proof

Serial numbers, receipts and dates. Boring until the day you claim, and then it is the whole thing: a handler settles against property somebody can identify, not against a list.

Your position

What you are covered for against what a business like yours needs. It moves when your books move, instead of once a year at renewal.

See what your own books say

Takes one field, and about a second. No account, no card, and nothing it finds is a verdict about anybody: it is a list of questions with the working shown beside each one.

Get early access

Which are you?

These details are kept so somebody can get back to you, and they are used for nothing else. Nothing on this deployment sends anything to anybody: there is no email provider wired up here, so a person reads this rather than a system acting on it.

Reading the record

Two public sources and the business’s own site, read live. Nothing here needs anybody’s permission and nothing about it is kept.

Companies House The filed record: what this company is, and since when
Filed accounts The inline XBRL of the newest accounts, and whether the balance sheet reconciles
Officers Who runs it, and the register of people with significant control
Website Likely domains built from the registered name, each checked for whether it says it is this company
Trade The filed SIC code and what the site says the business does, reconciled against each other
Cover lines What the rules indicate, and an indicative band from published rates

These are the passes being made, not their results. Nothing on this list can know yet whether a source answered: what actually came back, and how long each took, is on the page when it arrives.